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Part of Plan your retirement income: step by step

State Pension if you retire abroad

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Report a change in your circumstances

Report changes (such as a change of address or bank details) to the International Pension Centre by phone or in writing - do not send changes by email.

If you’re asked to fill in a ‘life certificate’

You may get a ‘life certificate’ form from the Department for Work and Pensions to check you’re still eligible for the State Pension.

You need to get the form signed by a witness. Check who can sign as a witness and follow the instructions on the form.

Your witness does not have to live in the UK or have a passport from any specific country.

Your payments may be suspended if you do not send the form back.

Returning to the UK

Contact the Pension Service - you need your return date and contact details, both abroad and in the UK.

Call HM Revenue and Customs (HMRC) to say you’re returning to the UK.

View a printable version of the whole guide

This page is Part of Plan your retirement income: step by step

  1. Step 1 Check when you can retire

    1. Check what age you can get your State Pension
    2. Find out about working after you reach State Pension age
    3. Find out if you can retire early with your workplace or personal pension

  2. and Check how much pension you could get

    1. Find out how much State Pension you could get (your forecast)

    You may also be paying into a:

    1. Find out if you’ll pay tax on your pension
    2. Find contact details for a lost pension
    3. Check how your pension is affected if you retire abroad

  3. Step 2 Increase your pension

    You might be able to increase the amount you get if you delay your pension.

    1. Find out about delaying your pension

    You might be able to pay voluntary contributions to fill in gaps in your National Insurance record (such as, from when you were not working or claiming benefits).

    1. Check if you can pay voluntary National Insurance contributions

    For advice about increasing your workplace or private pension, speak to a financial adviser.

    1. Find a financial adviser through Unbiased

  4. Step 3 Check what other financial support you could get

    Check what financial help you could get if you:

    You can also get free bus travel if you:

  5. Step 4 Decide when to retire

    1. Get advice on planning your pension and deciding when to retire